A mum from the UK has been praised online for her genius and simple idea for saving cash throughout the year.
"So I've seen lots of ideas for saving money but none of them will really work for me." she wrote on Facebook.
"That's why I'm giving this a go. Every pay day - or at the end of a month - you put in one of these amounts and then cross it off the list. By the end of the year it's a whopping £780!" - which works out to roughly $1500 NZD.
"It won't be easy - especially when it comes to the £120 month - but it's worth a go. I reckon I'll start with the £10 in January."
If you're trying to find a way to save some cash in 2020, this could be the way!